Regulation doesn’t often make headlines—but it quietly shapes everything in the mortgage market. In this episode of the Property Pod, we unpack how regulatory changes are influencing competition between lenders, what this means for brokers on the ground, and how borrowers could see the impact in pricing, choice, and affordability. From capital rules to market structure, we explore why these behind-the-scenes decisions matter more than you might think—and how staying informed can make all the difference.